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PRIVACY STATEMENT

Information Gathered

You may choose to provide information about yourself in order to be contacted by San Joaquin Valley Mortgage or receive a response to your application for a certain loan product. Such information may include the following:

Your name

Contact information including a phone number and email address

Property address

Other information you choose to provide via a telephone call, letter, e-mail or through this application

Use

Primarily, the information you provide will be used to contact you and qualify you for certain loan product(s). You understand that by submitting your information through this application, you agree to be contacted regardless of registration with any federal, state or local Do Not Call list, Do Not Mail list, or any other comparable list or registry. By providing information to San Joaquin Valley Mortgage through this application, a telephone call, an e-mail or letter, you authorize San Joaquin Valley Mortgage to engage in the following uses of your information:

to improve its products and services

to periodically market its products and services, telemarket its products and services, and send promotional emails and advertisements

to contact you

to provide your information to a lender(s) in order to qualify you for certain a certain loan product(s)

third parties who perform marketing services on behalf of San Joaquin Valley Mortgage or one its divisions or others with whom San Joaquin Valley Mortgage has a joint marketing agreement or arrangement

Right to Opt-Out of Information Sharing

Federal law gives you the right to limit some but not all sharing. Federal law gives you the right to limit only:

Sharing for affiliates' everyday business purposes information about your creditworthiness

Affiliates from using your information to market to you

Sharing for non-affiliates to market to you

Certain state law may give you additional rights to limit sharing. If you wish to opt-out, you must send an email to kbracken@sjvalleymortgage.com or call 661-735-8095 indicating your preference to opt-out of sharing with affiliated companies, non-affiliated third parties or both. However, by opting-out you understand that such opt-out may affect your access to certain financial products, which may otherwise be available. You are encouraged to obtain information on as many products and providers as possible.

If you do not wish to opt-out, no action is required and until you provide the required notice of your opt-out preference San Joaquin Valley Mortgage is authorized to share your information as described above.

Security

San Joaquin Valley Mortgage has measures in place directed to safeguarding the information that you provide. Such measures include, but are not limited to, implementing policies and procedures regarding data security.

Please note, no data transmission over the Internet or any wired or wireless network can be guaranteed to be 100% secure. San Joaquin Valley Mortgage recommends you do not send any confidential information and/or nonpublic personal information by e-mail. If you choose to send confidential information and/or nonpublic personal information to San Joaquin Valley Mortgage via e-mail, you accept all risk that such information may be intercepted by a third party.

Web Technologies

A "cookie" is a small file that is assigned by the web server to your computer or phone. The use of cookies allows San Joaquin Valley Mortgage to identify which pages of the application are accessed. That information is then used to improve the application and your online experience. Assigning a cookie to your computer or phone does not provide San Joaquin Valley Mortgage access to your computer or any of the information contained on your computer or phone and your computer or phone is not harmed by San Joaquin Valley Mortgage's use of cookies.

Most web browsers afford you the option of modifying your settings to reject cookies should you choose. However, declining cookies may interfere with your ability to take full advantage of the features of this application.

Change in Control

Your information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether assets, stock or otherwise) of all or a portion of the business of San Joaquin Valley Mortgage. You will have the opportunity to opt-out of further secondary use of your information following any such change in control.

Changes to Our Privacy Statement

San Joaquin Valley Mortgage reserves the right to modify this Privacy Statement at any time without notice, but the most current version of the Privacy Statement will always be available to you by clicking on the link at the bottom of this application. By continuing to use this application and the services available through it, after the date of any change to this Privacy Statement, including accessing this application, you agree and acknowledge acceptance of the Privacy Statement in its most current version.

Terms and Conditions

Please see the Terms of Use statement for other details that are applicable to and regard your use and access of this application by clicking the link at the bottom of this application.

Agreement

By using this application, you agree to this Privacy Statement and to the use of the information San Joaquin Valley Mortgage receives and collects as stated herein and in ways San Joaquin Valley Mortgage may notify you of in the future. By providing any personal information to this application, you acknowledge that you fully understand and consent to the collection and processing of such information. San Joaquin Valley Mortgage reserves the right at its discretion to modify this Privacy Statement at any time. Your continued use of this site following the posting of changes to these terms indicates your acknowledgment and acceptance of all changes.

Questions

Should you still have questions regarding San Joaquin Valley Mortgage's use of your information and the protection afforded it, you may contact San Joaquin Valley Mortgage using the below information:

Terms of Use

This application is being provided to you subject to these Terms of Use which govern your use of this application. Please read these Terms of Use carefully. By using this application, you agree to be boud by these Terms of Use, whether or not you complete a loan transaction. By using this application you acknowledge that certain features of this application and the corresponding loan products and/or services may be subject to additional terms, conditions and disclaimers.

If you do not agree to these Terms of Use, you are not authorized to use this application, or any of the services that Karpe Mortgage Inc. ("San Joaquin Valley Mortgage") may offer through this application. San Joaquin Valley Mortgage reserves the right to, in its sole discretion and without notice, deny you access and/or use of this application for any reason or no reason at all.

THE DISCLOSURES AND CONSENTS REQUIRED UNDER CERTAIN STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY YOUR USE OF THIS APPLICATION.

Information Subject To Change

Although San Joaquin Valley Mortgage has tried to provide accurate and timely information, the content of this application may not be accurate, complete and/or current and may include typographical errors or technical inaccuracies. The information and materials contained in these pages, and the terms, conditions and descriptions that appear on this application, are subject to change at any time without notice. San Joaquin Valley Mortgage may change the products, services and other information identified on this application at any time. Applicable terms, conditions and eligibility requirements are subject to change and not all products and services are available in all geographic areas. Any decisions which you may make based upon the information contained in this application shall be at your sole risk and responsibility. Your eligibility for particular products and services is subject to final approval, determination and acceptance by a lender in its sole and absolute discretion, notwithstanding your use of this application.

Disclaimer of Warranties

THE INFORMATION AND MATERIALS CONTAINED IN THIS APPLICATION, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS - ARE PROVIDED "AS-IS" AND "AS AVAILABLE" AND San Joaquin Valley Mortgage DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF SUCH INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING, BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND FREEDOM FROM COMPUTER VIRUS, OR OTHER MALWARE, IS GIVEN IN CONJUNCTION WITH SUCH INFORMATION AND MATERIALS.

YOU ACKNOWLEDGE THAT San Joaquin Valley Mortgage DOES NOT WARRANT THAT THIS APPLICATION WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO IT MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THIS APPLICATION, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS OR CONTENT OF ANY INFORMATION OR SERVICE PROVIDED THROUGH THIS APPLICATION.

EXCEPT AS SPECIFICALLY PROVIDED IN THESE TERMS OF USE OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT San Joaquin Valley Mortgage AND ITS LENDER(S) ARE NOT RESPONSIBLE FOR ANY LOSS CAUSED BY ACCESS TO THIS APPLICATION. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, San Joaquin Valley Mortgage AND ITS LENDER(S) WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE OF THIS APPLICATION.

Limitation of Liability

IN NO EVENT WILL San Joaquin Valley Mortgage OR ITS LENDER(S) BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION: DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS APPLICATION OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, OR ANY INFORMATION PROVIDED IN CONNECTION WITH THIS APPLICATION OR HOW SAID INFORMATION WAS OBTAINED, OR ANY ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINK OR SYSTEM FAILURE, EVEN IF San Joaquin Valley Mortgage OR ITS LENDER(S), OR REPRESENTATIVES THEREOF ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

Indemnification

You agree to defend, indemnify and hold harmless San Joaquin Valley Mortgage, its affiliates, lenders, vendors and all directors, officers, employees and agents of San Joaquin Valley Mortgage from and against any claim, demand, damages, liabilities, suit, expenses, costs or proceeding, including attorney's fees and court costs, that relates to or is based on your violation of these Terms of Use or misuse or unauthorized use of this application, or any services available from San Joaquin Valley Mortgage through this application, or any information provided in connection with this application or how said information was obtained.

No Unlawful or Prohibited Use

As a condition of your use of this application, you agree and warrant to San Joaquin Valley Mortgage that you will not use or access this application for any purpose that is unlawful or prohibited by these Terms of Use. If your use or access violates any law or any of these Terms of Use, your permission to use the application automatically terminates.

Application Security

You are prohibited from violating or attempting to violate the security of this application, including, without limitation: (a) accessing data not intended for your viewing or logging into a server or account which you are not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; or (c) attempting to interfere with service to any user, host or network. Violations of security measures may result in civil or criminal liability. San Joaquin Valley Mortgage will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

Copyrights and Trademarks

Copyright in the pages and in the screens displaying the pages, and in the information and material therein and their arrangement is owned by a third party, unless otherwise indicated, and are protected by U.S. copyright laws and international treaties. The copyrighted materials on the application include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the application. You are authorized to view the information available on the application for your informational purposes only. You may not copy, republish, redistribute, transmit, participate in the transmission of, create derivatives of, alter, edit or exploit in any manner any material including by storage on retrieval systems. Deliberate misuse of this application is expressly prohibited and San Joaquin Valley Mortgage reserves the right to terminate your access to this application at any time for any reason and to advise the legal authorities of any misuse of this application, including, without limitation, to hacking. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on this application.

Email & Online Information Requests

Please note that messages you send San Joaquin Valley Mortgage by e-mail may not be secure and San Joaquin Valley Mortgage recommends that you do not send any confidential information to San Joaquin Valley Mortgage by e-mail. If you choose to send confidential information to San Joaquin Valley Mortgage via e-mail, you accept all risk that such information may be intercepted by a third party.

By submitting your information to San Joaquin Valley Mortgage through this application or by any other method, you are inquiring about loan products and give San Joaquin Valley Mortgage permission to contact you via e-mail, telephone, letter, fax or using any other information you provide, regardless of registration with any federal, state or local Do Not Call list, Do Not Mail list, or any other comparable list or registry.

Privacy

San Joaquin Valley Mortgage understands the need to safeguard your information from unauthorized use and disclosure. Please see the Privacy Statement which is available on this application.

General

San Joaquin Valley Mortgage reserves the right to modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you on this application. By continuing to use this application, after the date of any change to these Terms of Use, including accessing this application, you agree to be bound by the rules contained in the most recent version of these Terms of Use.

Governing Law

You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Michigan, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms of Use or the use of this application shall be filed only in the state or federal courts located in Oakland County, Michigan, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

Severability

You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.

Contact and Violations

Please contact us with any questions regarding these Terms of Use. Please report any violations of the Terms of Use to San Joaquin Valley Mortgage.